Coffee Habit Cost Calculator (1 year, 10 years, and if you saved it instead)

How it works

Monthly coffee spend = price × cups per week × 52 ÷ 12. Each year the price grows by the rise you enter. “If saved” adds every month’s coffee money to savings at the end of the month, growing at the monthly rate (1 + r)^1/12 − 1, so the total is Σ monthly amount × (1 + i)^{months left}. Taxes on interest are not deducted.

⚠ Estimates for information only — not financial advice.

FAQ

Is it realistic to invest the coffee money?

The number shows the opportunity cost — what the habit costs you in savings terms. Even a regular instalment savings account (적금) comes close at a few percent a year.

How do I include price rises?

Enter an expected yearly price rise; the cost of each later year grows by that percentage.

Checked 11 Nov 2026. Compound-interest arithmetic (future value of monthly deposits at a constant rate). The coffee price is your own input.